Cardless ATM authentication

A mobile device, comprising:

• logic stored by a memory device;
• and
• a processor coupled to the memory device, the processor configured to execute the logic stored by the memory device to perform operations including:
• store, by a mobile banking application of the mobile device, a customer token and a device token, the customer token identifying a customer, the device token identifying the mobile device;
• configure, by the mobile banking application, a pre-staged cash withdrawal for implementation by a designated automated teller machine, wherein configuring the pre-staged cash withdrawal comprises:
• providing, by the mobile banking application, a transaction amount, the designated automated teller machine for implementing the pre-staged cash withdrawal, and a designated time range for the pre-staged cash withdrawal;
• detect a proximity notification in a form of a beacon identifier broadcast from an automated teller machine within the designated time range, the automated teller machine having a transaction card withdrawal limit;
• transmit, in response to detecting the proximity notification within the designated time range, the beacon identifier, the customer token, and the device token to a bank computer system;
• prompt, in response to detecting the proximity notification within the designated time range, a user of the mobile device to confirm that the automated teller machine should proceed with the pre-staged cash withdrawal;
• in response to receiving an affirmative response from the user and based on detecting the proximity notification within the designated time range, transmit a signal to the automated teller machine to initiate the pre-staged cash withdrawal;
• receive a request for authentication information regarding the user of the mobile device based on the transaction amount exceeding the transaction card withdrawal limit;
• generate the authentication information, the authentication information including a code;
• and
• provide the generated authentication information to the automated teller machine for authentication to, in turn, enable the user to perform the pre-staged cash withdrawal at the automated teller machine with an increased cash withdrawal limit based upon the generated authentication information,
• wherein the increased cash withdrawal limit is higher than the transaction card withdrawal limit and the transaction amount exceeds the transaction card withdrawal limit.

A non-transitory computer-readable medium for enabling cardless authentication at an automated teller machine comprising instructions stored thereon that when executed on a processor, perform the steps of:

• storing, by a mobile banking application of a mobile device, a customer token and a device token, the customer token identifying a customer, the device token identifying the mobile device;
• configuring, by the mobile banking application, a pre-staged cash withdrawal for implementation by a designated automated teller machine, wherein configuring the pre-staged cash withdrawal comprises:
• providing, by the mobile banking application, a transaction amount, the designated automated teller machine for implementing the pre-staged cash withdrawal, and a designated time range for the pre-staged cash withdrawal;
• detecting, by the mobile device, a proximity notification in a form of a beacon identifier broadcast from an automated teller machine within the designated time range, the automated teller machine having a transaction card withdrawal limit;
• transmitting, by the mobile device in response to detecting the proximity notification within the designated time range, the beacon identifier, the customer token, and the device token to a bank computing system;
• prompting, by the mobile device in response to detecting the proximity notification within the designated time range, a user of the mobile device to confirm that the automated teller machine should proceed with the pre-staged cash withdrawal;
• in response to receiving an affirmative response from the user and based on the mobile device detecting the proximity notification within the designated time range, transmitting, by the mobile device, a signal to the automated teller machine to initiate the pre-staged cash withdrawal;
• receiving a request for authentication information regarding the user of a mobile device based on the transaction amount exceeding the transaction card withdrawal limit;
• generating, by the mobile device, the authentication information, the authentication information including a code;
• and
• providing, by the mobile device, the generated authentication information to the automated teller machine for authentication to, in turn, enable the user to perform the pre-staged cash withdrawal at the automated teller machine with an increased cash withdrawal limit based upon the generated authentication information,
• wherein the increased cash withdrawal limit is higher than the transaction card withdrawal limit and the transaction amount exceeds the transaction card withdrawal limit.